An annulus is the region between two concentric circles. The concentric circles in the figure have radii $b$ and $c$ , with $b>c$ . Let $OX$ be a radius of the larger circle, let $XZ$ be tangent to the smaller circle at $Z$ , and let $OY$ be the radius of the larger circle that contains $Z$ . Let $a=XZ$ , $d=YZ$ , and $e=XY$ . What is the area of the annulus?